<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM
OUR SEPTEMBER 2000 10-QSB AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<S> <C>
<PERIOD-TYPE> 9-MOS
<FISCAL-YEAR-END> DEC-31-2000
<PERIOD-END> SEP-30-2000
<CASH> 2,680
<INT-BEARING-DEPOSITS> 4,376
<FED-FUNDS-SOLD> 0
<TRADING-ASSETS> 0
<INVESTMENTS-HELD-FOR-SALE> 43,979
<INVESTMENTS-CARRYING> 15,411
<INVESTMENTS-MARKET> 15,335
<LOANS> 110,497
<ALLOWANCE> 1,131
<TOTAL-ASSETS> 183,783
<DEPOSITS> 152,652
<SHORT-TERM> 11,585
<LIABILITIES-OTHER> 1,060
<LONG-TERM> 0
0
0
<COMMON> 3,998
<OTHER-SE> 1,916
<TOTAL-LIABILITIES-AND-EQUITY> 18,486
<INTEREST-LOAN> 2,321
<INTEREST-INVEST> 887
<INTEREST-OTHER> 33
<INTEREST-TOTAL> 3,241
<INTEREST-DEPOSIT> 1,393
<INTEREST-EXPENSE> 1,577
<INTEREST-INCOME-NET> 1,664
<LOAN-LOSSES> 30
<SECURITIES-GAINS> 0
<EXPENSE-OTHER> 1,097
<INCOME-PRETAX> 808
<INCOME-PRE-EXTRAORDINARY> 808
<EXTRAORDINARY> 0
<CHANGES> 0
<NET-INCOME> 620
<EPS-BASIC> 0.78
<EPS-DILUTED> 0.71
<YIELD-ACTUAL> 4.40
<LOANS-NON> 160
<LOANS-PAST> 280
<LOANS-TROUBLED> 105
<LOANS-PROBLEM> 0
<ALLOWANCE-OPEN> 1,092
<CHARGE-OFFS> 38
<RECOVERIES> 7
<ALLOWANCE-CLOSE> 1,131
<ALLOWANCE-DOMESTIC> 1,131
<ALLOWANCE-FOREIGN> 0
<ALLOWANCE-UNALLOCATED> 0
</TABLE>